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Ambiguous policy wording protects the insurer. Our crystal clear policy wording protects you, the policyholder.

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illnesses covered

The typical way

Many providers define the quality of their critical illness policies by the number of illnesses they cover.

This results in these providers adding illnesses that pose very little risk to you.

The Guardian way

At Guardian, we know you need cover for a wide range of illnesses. But we also know the most important thing is the quality of that cover.

So we’re obsessed with providing the best possible cover for the most common illnesses. However, our focus on quality isn’t at the cost of quantity. We cover 74 illnesses as standard (including 21 additional payments).

cancer

The typical way

Most providers don't pay out on all malignant skin cancers.

The Guardian way

A Guardian policy pays out on all malignant cancers - no ifs no buts.

heart attack

The typical way

Providers request detailed medical reports and evidence so they can assess whether a heart attack diagnosis is serious enough to meet their own criteria for payment.

The Guardian way

At Guardian, the word of a UK Consultant is all we need. If they say you’ve had a heart attack, we pay out. Well, they’re the experts after all.

stroke

The typical way

The provider will want to see evidence in the form of a scan so they can assess the severity of the stroke.

The Guardian way

With a Guardian policy, if symptoms have lasted for more than 24 hours and a UK Consultant Neurologist says it's a stroke, we pay out.

multiple sclerosis

The typical way

Providers want to see evidence that you're suffering symptoms of multiple sclerosis at the time the claim is assessed.

That's a little unfair when you consider multiple sclerosis symptoms can come and go - especially in the early stages.

The Guardian way

At Guardian, we pay out if a UK Consultant Neurologist says there 'has been' an impairment due to multiple sclerosis - even if the symptoms are not apparent when you make the claim.

terminal illness

The typical way

Terminal illness cover only pays out if, in a doctor’s opinion, you have less than 12 months to live.

However, it can be hard for doctors to predict the survival time of patients with certain terminal illnesses, even in their late stages.

The Guardian way

At Guardian, we not only pay out if you're not expected to survive for less than 12 months.

But, uniquely, we also guarantee to pay out if you're diagnosed with stage 4 cancer, motor neurone disease, CJD or Parkinson-plus syndromes even if you're expected to survive more than 12 months.

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Guardian Financial Services Limited is an appointed representative of Scottish Friendly Assurance Society Limited which is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and Prudential Regulation Authority.
Registered office: Scottish Friendly House, 16 Blythswood Square, Glasgow G2 4HJ. Registration number 110002.
Guardian Financial Services Limited is registered in England and Wales under number 11115769. Registered office: 11 Strand, London WC2N 5HR.